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National General Adjuster

Sandra Manzella

National General Adjuster

Biography

Over 30 years of Property & Casualty claims experience, including 13 years serving high net worth clients and more than four years leading Casualty Claims teams. Handled complex personal and commercial claims involving automobile and premises liability, products liability, bodily injury, and catastrophic losses. Expertise includes claims with self insured retentions, specialized deductibles, and excess coverage. Specialize in guiding clients through sensitize, high exposure matters, coordinating thorough investigations, and pursuing practical resolutions that protect their interests.

NOTABLE ASSIGMENTS:

  • Team Lead for Residential Real Estate. Alleged sexual assault at student housing. Led multi-party investigation and pre-suit mediation, resolving a USD 1.5 million demand for USD 160,000; the client contributed USD 30,000 within its self-insured retention.
  • Luxury Resort Explosion. Alleged product defect. Liability Limits exposure of USD 50 million. Led the investigation for a gas valve manufacturer. Forensic findings showed its product was not defective, and the claimant abandoned the product liability claim.
  • Commercial automobile. Insured fatality hit and run. Investigated the operator’s use of the insured vehicle and resolved the estate’s claim for USD 125,000 against USD 1 million in primary and USD 5 million in excess coverage.
  • High-net-worth automobile insured. Catastrophic automobile loss involving fatalities and severe injury. Managed liability and resolution strategy for a nationally publicized claim, preserving more than USD 5 million in available coverage.
  • Personal automobile insured. Two vehicle bodily injury claim. Manage the defense of a claim demanding primary and excess limits. A USD 150,000 offer was rejected and the jury awarded USD 75,000.
  • Personal automobile and homeowners insured. Fatal single vehicle rollover with two severely injured passengers. Investigated evidence that the insured had provided alcohol to his 19-year-old son before the crash, creating potential punitive damages exposure. Identified a homeowner’s liability issue and coordinated transfer of the passengers’ claims to the homeowners carrier which settled them.

Industry Certification

AIC, CPCU, PRMA

Qualifications

Bachelor of Business Administration (BBA) from PACE University - New York City Campus, CPCU - Chartered Property Casualty Underwriters, AIC - Associate in Claims, PRMA - Private Risk Management Association

Additional Expertise

Complex general liability and automobile bodily injury claims, including catastrophic injury and fatalities, premises liability, products liability, and high net worth, exposures. Experience in managing claims involving self-retentions and excess coverage, coordinating expert investigations and counsel, negotiating multi-party resolutions, and leading casualty claims teams.

Adjuster Experience

31 years 1995